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CBL State Savings Bank

Greer, SC · Cert 31900 · Citizens Building&Loan MHC

SI · FDIC · 2 branches

Q2 2026

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, banks under $1B in assets operating in a single state3

Basis

Quarter: Q2 2026, the quarter ended June 30, 2026, on both parts.

Income statement: year to date as filed, annualized, on both parts.

Balance sheet: as filed at quarter end.

Peer group

Banks under $1B in assets operating in a single state (n=743 to 746). Each measure ranks only the institutions that reported it, so n varies by measure.

Peer groups below the disclosure floor are suppressed.

Peer standing

Capital

73

Q2 2024Q2 2026peer median (50)

Asset Quality

91

Q2 2024Q2 2026peer median (50)

Profitability

4

Q2 2024Q2 2026peer median (50)

Liquidity

30

Q2 2024Q2 2026peer median

Efficiency

4

Q2 2024Q2 2026peer median (50)

Growth

No peer data yet

Capital, Asset Quality, Profitability, Efficiency: higher is always a stronger peer standing (▲ better, ▼ worse). Liquidity, Growth: the score reflects closeness to the peer median -- 100 is sitting exactly at the median, falling the same way whether the bank runs above or below it.

Source: FFIEC Call Report (031/041/051), as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas.

CallReports · callreports.ai · Board PackageGenerated 2026-10-11

CBL State Savings Bank

Greer, SC · Cert 31900 · Citizens Building&Loan MHC

SI · FDIC · 2 branches

Q2 2026

$191.3MAssets
$117.7MLoans
$125.9MDeposits
$29.1MEquity
Loan mix
99%RE $117.5M0%C&I $0.0M1%Consumer $0.8MQ3 2024Q2 2026
Deposit mix
100%Interest-bearing $125.9M0%Noninterest $0.0MQ3 2024Q2 2026

Market Position · Greenville-Anderson-Greer, SC · 2026 SOD (annual) · 0.4% share · #28 of 40 inst. · $0.1B of $26.1B

0.5% Greenville
0.5% Spartanburg

Executive Summary

  • Earnings: ROA of 0.10%, up 20 bps year over year; NIM at 1.95%.
  • Asset quality: problem loans at 0.01% of loans (-4 bps YoY), with net recoveries of 0.05%.
  • Capital: tier 1 leverage ratio of 15.93%, down 54 bps from a year ago.
  • Funding: loans stand at 93.52% of deposits as of Q2 2026.

Return on Assets (YTD, annualized)

0.10%+20 bps YoY

Net Interest Margin (YTD, annualized)

1.95%+21 bps YoY

Efficiency Ratio (YTD, annualized)

94.91%-1,189 bps YoY

Tier 1 Leverage Ratio

15.93%-54 bps YoY

NIM

4.22%Q2 ’244.70%Q2 ’254.78%Q2 ’26+22%+12%

Non-interest income vs. expense

1.68%Q2 ’241.95%Q2 ’251.93%Q2 ’26+29%-1%

Year to date, annualized, through each quarter.

MetricQ3 2024Q4 2024Q1 2025Q2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets-0.07%-0.13%-0.10%-0.11%-0.09%-0.15%0.16%0.10%+20 bps
Return on Equity-0.44%-0.78%-0.64%-0.68%-0.59%-0.96%1.02%0.63%+130 bps
Net Interest Margin1.43%1.43%1.66%1.74%1.74%1.76%1.93%1.95%+21 bps
Efficiency Ratio104.35%108.89%107.33%106.80%105.22%109.34%91.47%94.91%-1,189 bps
Non-Interest Burden1.50%1.57%1.79%1.86%1.83%1.93%1.76%1.84%-2 bps
Growth
Asset Growth (YoY)25.28%25.63%12.10%-1.50%-0.53%-0.20%2.42%3.48%+498 bps
Loan Growth (YoY)8.15%4.32%4.08%1.45%1.54%5.31%6.11%4.45%+300 bps
Deposit Growth (YoY)8.05%8.44%4.93%2.08%3.27%3.85%3.76%5.74%+366 bps
Asset Quality
Nonperforming Loans / Loans0.34%0.31%0.06%0.05%0.05%0.05%0.05%0.01%-4 bps
Net Charge-Offs / Loans0.00%0.00%0.10%0.05%0.03%0.02%0.00%-0.05%-10 bps
Allowance / Loans0.95%0.98%0.96%0.95%0.95%0.93%0.93%0.96%+1 bps
Allowance Coverage of NPLs2.8x3.2x16.6x17.5x18.4x19.1x20.0x66.2x+48.7x
Capital
Tier 1 Leverage Ratio16.28%16.13%16.28%16.47%16.26%16.12%16.02%15.93%-54 bps
Total Risk-Based Capital16.28%16.13%16.28%16.47%16.26%16.12%16.02%15.93%-54 bps
Equity / Assets15.54%15.33%15.74%15.62%15.54%15.47%15.48%15.20%-42 bps
Liquidity & Funding
Loans / Deposits96.07%94.01%93.95%94.68%94.45%95.33%96.08%93.52%-115 bps
Liquid Assets / Assets8.88%11.26%9.50%9.22%8.45%8.52%8.02%9.57%+35 bps
CRE / Total Capitaln/an/an/an/a44.14%56.16%61.81%n/an/a

Source: FFIEC Call Report (031/041/051), as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas. Income-statement figures are year-to-date as filed, annualized (the UBPR convention). Each quarter includes the ones before it.

CallReports · callreports.ai· Performance TrendsGenerated 2026-10-11

CBL State Savings Bank

Greer, SC · Cert 31900 · Peer group: banks under $1B in assets operating in a single state (n=743-746) · Citizens Building&Loan MHC

SI · FDIC · 2 branches

Q2 2026

$191.3MAssets
$117.7MLoans
$125.9MDeposits
$29.1MEquity

Executive Summary

  • Strongest standing: net charge-offs / loans outperforms 100% of banks under $1B in assets operating in a single state (rank 185 of 743).
  • Widest gap: net interest margin trails 98% of banks under $1B in assets operating in a single state (rank 729 of 746).
  • Overall: at or above the peer median on 5 of 9 directional measures.

Return on Assets

0.10%

Rank 709 of 746

Net Interest Margin

1.95%

Rank 729 of 746

Efficiency Ratio

94.91%

Rank 715 of 746

Equity / Assets

15.20%

Rank 90 of 746

Non-interest income vs. expense

$0.2M$3.7MINCOMEEXPENSE
Unfavorable gap of $3.5M · efficiency ratio beats 4% of banks under $1B in assets operating in a single state
Bank 94.91%Peer median 64.6%Q2 2024Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRank8-Qtr TrendPeer Position
Earnings
Return on Assets0.10%0.72%1.06%1.45%Beats 5%709 / 746
Return on Equity0.63%6.74%10.51%13.63%Beats 4%715 / 746
Net Interest Margin1.95%3.17%3.68%4.16%Beats 2%729 / 746
Efficiency Ratio94.91%55.74%64.58%75.47%Beats 4%715 / 746
Asset Quality
Nonperforming Loans / Loans0.01%0.09%0.42%1.07%Beats 82%134 / 743
Net Charge-Offs / Loans0.00%0.00%0.01%0.05%Beats 100%185 / 743
Capital
Tier 1 Capital Ratio15.93%11.55%13.75%17.60%Beats 67%243 / 746
Total Risk-Based Capital Ratio15.93%11.71%14.33%18.43%Beats 63%279 / 746
Equity / Assets15.20%8.90%10.51%13.06%Beats 88%90 / 746
Liquidity & Funding
Loans / Deposits93.52%61.31%78.27%90.78%81st pctl144 / 746
Loans / Assets61.55%53.60%66.97%76.08%39th pctl458 / 746
Brokered Deposits / Depositsn/aNot reported for this institution